relocation to support the business expansion in the future. In FY2019, there was higher loss sharing from Dusit Hospitality Education Philippines Inc due to increase of administrative expenses. In FY2018, it

25 4.4 Treasury Operations 29 4.5 Capital Requirements 29 4.6 Credit Ratings 31 5. Operations of Support Groups 33 5.1 Human Resource Management 33 5.2 IT Management 35 1 1. Overview of Operating

. Operations of Support Groups 56 5.1 Human Resource Management 56 5.2 IT Management 59 6. KASIKORNBANK’s Investments in Subsidiaries and Associated Companies 61 7. Shareholder Risk Management 62 1 1. Overview

decrease of 8.7 million baht or 7.1%. 2 Zen Corporation Group Public Company Limited 662 Soi Onnuch 17, Suanluang, Bangkok 10250 THAILAND. Tel: 02-0195000 For 2020, the Group will continue to open new

services in affiliated hospitals. May Kasemrad Hospital Sriburin renovated the pediatric ward with full support by experienced pediatric specialists and professional nurses on duty 24 hours a day. Bangkok

manpower to support its growth after the crisis. Office Business Office segment is not directly affected by COVID-19 because all tenants are long-term tenants. The Group has measures to assist the tenants by

support and several kinds of loan package, reduced electricity and water tariffs, and put in place a debt moratorium for citizens and businesses. The Cabinet of Ministers issued an emergency decree

the impact on private consumption is expected to be eased to some extent by various relief measures being rolled out by the government. The Group has committed to support and operate in accordance with

in support of the national policy of making Thailand a cashless society. We always strive to bolster our capabilities in providing services via digital channels to promote increased digital

Companies and Muang Thai Life Assurance PCL 50 4.6 Capital Requirements 52 4.7 Credit Ratings 54 5. Operations of Support Groups 57 5.1 Human Resource Management 57 5.2 IT Management 60 6. KASIKORNBANK’s